Terms & conditions

*Credit criteria, fees and charges, terms and conditions apply. New customers only who apply by 2 January 2019. 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 15 months from the date your account is approved. Minimum monthly repayments required. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the variable Annual Percentage Rate for Retail Purchases, currently 19.99% p.a. for a Coles No Annual Fee Mastercard and Coles Rewards Mastercard and 12.99% p.a. for Coles Low Rate Mastercard. Interest rates are variable and subject to change. This offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Credit Card.

#flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. The number of flybuys points awarded is calculated by reference to the Australian dollar amount of the transaction. flybuys points will be allocated by flybuys in accordance with the flybuys terms and conditions. For No Annual Fee and Rewards credit cards, points are earned on Eligible Transactions. For the Low Rate credit card, points are earned on Coles Spend. Both Eligible Transactions and Coles Spend are defined in www.coles.com.au/rewards-mastercard/terms-conditions. For the avoidance of doubt Low Rate Card purchases at Coles Supermarkets will earn points. Standard flybuys Terms and Conditions apply, see flybuys.com.au. Note that partners’ earn rates vary.

~Velocity Frequent Flyer members must link their Velocity membership to their flybuys household to enable the transfer of their flybuys points to Velocity Points. Linked households may transfer a minimum of 2,000 flybuys points (equivalent to 870 Velocity Frequent Flyer Points) per redemption and a maximum of 138,000 flybuys points (equivalent to 60,030 Velocity Frequent Flyer Points) for Velocity Frequent Flyer Points per household, per calendar year. flybuys points can only be transferred in increments of 2,000. Visit at www.flybuys.com.au/ to transfer flybuys points. flybuys points transferred for Velocity Frequent Flyer points will be credited to the linked Velocity accounts. Standard flybuys Terms and Conditions apply to the collection of flybuys points available at www.flybuys.com.au/about/ flybuys-terms-and-conditions. Standard Velocity Frequent Flyer Terms and Conditions available at www.velocityfrequentflyer.com/content/TermsConditions/ apply once points are transferred to Velocity Frequent Flyer. To earn and redeem Velocity Points you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Terms and Conditions, as amended from time to time. flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition.

This material has been prepared by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 and not Velocity Frequent Flyer. Velocity does not hold an Australian Credit Licence and is not the licensee in relation to the credit activity being engaged in be Citigroup who is the credit licensee.

+Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 6 months. The 6 months promotional period commences when the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 19.99% p.a. Interest Free Days are not available while you have a balance transfer on your account.

22,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express and Coles online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets and BI-LO (excluding smoking/tobacco related product purchases and all gift cards).